we think those are the places to be and they're high quality names. sandra: i want to tell everybody, m & t reporting this week on wednesday, fifth third is reporting on thursday. those are where you're calling for beats. six of them you are predicting of regional banks will miss expectations which six? >> we have a number of them. in fact it will be more than six. it will be across the board. we look at a keycorp and pnc, some of the other names where the net interest margin pressure because of a flat curve, much like wells fargo, even if they make the number stocks could trade off. folks like wells fargo with looking at net interest margin and as much as the number. sandra: to clarify, net interest margin gives us gauge of future profitability from the firm, correct. >> absolutely. that is spread on loans and what you pay for profits. as that comes down your future profitability goes down with it. sandra: a couple you expect to meet expectations which are those? >> we have a number that will beat it will be the issue of net interest margin but for b